Texas Capital Bancshares (TCBI) Stock Price, News & Analysis

Company Overview

Texas Capital Bancshares, Inc. is a bank holding company headquartered in Dallas, Texas, operating through its wholly owned subsidiary, Texas Capital Bank. The company specializes in providing commercial banking services to middle-market companies, entrepreneurs, professional service firms, real estate developers, and not-for-profit organizations. Its broad range of offerings includes commercial lending, treasury and cash management, real estate finance, equipment finance, and energy lending, all designed to address the unique financial needs of businesses navigating growth and market challenges.

In addition to its core commercial banking capabilities, Texas Capital Bancshares delivers private banking and wealth management services for business owners and high-net-worth individuals. These services encompass deposit products, fiduciary and trust services, investment management, and personal lending solutions. Through a consultative approach, the company seeks to align its financial strategies with each client’s long-term objectives, fostering deeper relationships and supporting sustained success.

Founded in 1998 with the chartering of Texas Capital Bank, the company has grown steadily through organic expansion and targeted acquisitions. While its primary market is Texas, with a strong presence in the Dallas–Fort Worth metroplex and other major Texas cities, Texas Capital Bancshares has extended its reach to select markets beyond state lines, including regional offices in Colorado and California. Its digital banking platform also enables it to serve a national clientele, offering online and mobile channels that complement its physical branch network.

Underpinned by a commitment to relationship-driven service and disciplined credit risk management, Texas Capital Bancshares emphasizes a culture of responsiveness and collaboration. The company’s leadership team brings a depth of experience in banking and finance, guiding strategic initiatives that aim to deliver innovative solutions, drive operational efficiency, and create long-term value for clients, employees, and shareholders.

Key Stats

• Today's Range: $85.82 to $87.67
• 50-Day Range: $79.46 to $89.44
• 52-Week Range: $59.37 to $94.61
• Volume: 274,325 shs
• Average Volume: 401,569 shs
• Market Capitalization: $3.96 billion
• P/E Ratio: 34.33
• Dividend Yield: N/A
• Price Target: $84.00
• Consensus Rating: Hold

Texas Capital Bancshares Stock Analysis - MarketRank™

Texas Capital Bancshares scored higher than 57% of companies evaluated by MarketBeat, and ranked 625th out of 950 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

Texas Capital Bancshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on 3 buy ratings, 9 hold ratings, and 3 sell ratings.

Upside/Downside

The consensus price target for Texas Capital Bancshares is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Texas Capital Bancshares has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 9.93%

Earnings Growth

Earnings for Texas Capital Bancshares are expected to grow by 9.93% in the coming year, from $5.84 to $6.42 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Texas Capital Bancshares is 34.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.31.

Price to Earnings Ratio vs. Sector

The P/E ratio of Texas Capital Bancshares is 34.33, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 239.29.

Price to Earnings Growth Ratio

Texas Capital Bancshares has a PEG Ratio of 0.71. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Texas Capital Bancshares has a P/B Ratio of 1.30. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.36% of the float of Texas Capital Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Texas Capital Bancshares has a short interest ratio ("days to cover") of 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Texas Capital Bancshares has recently increased by 37.61%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Texas Capital Bancshares does not currently pay a dividend.

Dividend Growth

Texas Capital Bancshares does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.36% of the float of Texas Capital Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Texas Capital Bancshares has a short interest ratio ("days to cover") of 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Texas Capital Bancshares has recently increased by 37.61%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.99

News Sentiment

Texas Capital Bancshares has a news sentiment score of 0.99. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 11 news articles for Texas Capital Bancshares this week, compared to 7 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Texas Capital Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 1.72% of the stock of Texas Capital Bancshares is held by insiders.

Percentage Held by Institutions

96.88% of the stock of Texas Capital Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

TCBI Stock Analysis - Frequently Asked Questions

How have TCBI shares performed this year?

Texas Capital Bancshares' stock was trading at $78.20 on January 1st, 2025. Since then, TCBI shares have increased by 10.6% and is now trading at $86.51.

How were Texas Capital Bancshares' earnings last quarter?

Texas Capital Bancshares, Inc. (NASDAQ:TCBI) released its quarterly earnings data on Thursday, July, 17th. The bank reported $1.63 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.28 by $0.35. The bank earned $307.46 million during the quarter, compared to analyst estimates of $298.90 million. Texas Capital Bancshares had a trailing twelve-month return on equity of 10.36% and a net margin of 6.79%.
Read the conference call transcript.

Does Texas Capital Bancshares have any subsidiaries?

Texas Capital Bancshares subsidiaries include Texas Capital Bank.

Who are Texas Capital Bancshares' major shareholders?

Top institutional shareholders of Texas Capital Bancshares include State Street Corp (5.40%), AQR Capital Management LLC (3.35%), Alliancebernstein L.P. (2.74%) and Geode Capital Management LLC (2.53%). Insiders that own company stock include Robert W Stallings, Timothy J Storms, Thomas E Long, John W Cummings and John W Cummings.
View institutional ownership trends.

How do I buy shares of Texas Capital Bancshares?

Shares of TCBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Texas Capital Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Texas Capital Bancshares investors own include American Water Works (AWK), Waste Connections (WCN), DiamondRock Hospitality (DRH), The RMR Group (RMR), AU Optronics (AUOTY), Voyager Therapeutics (VYGR) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Last Earnings: 7/17/2025
• Today: 9/28/2025
• Next Earnings (Estimated): 10/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:TCBI
• CIK: 1077428
• Web: www.texascapitalbank.com
• Phone: (214) 932-6600
• Fax: 877-839-2738
• Employees: 1,818
• Year Founded: 1998

Price Target and Rating

• Average Price Target for Texas Capital Bancshares: $84.00
• High Price Target: $100.00
• Low Price Target: $74.00
• Potential Upside/Downside: -2.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 15 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.52
• Trailing P/E Ratio: 34.33
• Forward P/E Ratio: 14.81
• P/E Growth: 0.71
• Net Income: $77.51 million
• Net Margins: 6.79%
• Pretax Margin: 8.92%
• Return on Equity: 10.36%
• Return on Assets: 1.03%

Debt

• Debt-to-Equity Ratio: 0.19
• Current Ratio: 1.00
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $1.94 billion
• Price / Sales: 2.04
• Cash Flow: $6.05 per share
• Price / Cash Flow: 14.29
• Book Value: $66.39 per share
• Price / Book: 1.30

Miscellaneous

• Outstanding Shares: 45,760,000
• Free Float: 44,968,000
• Market Cap: $3.96 billion
• Optionable: Optionable
• Beta: 0.69